A Guide to Thatch Highhouse Insurance Services
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Highhouse Insurance Services A Guide to Thatch Highhouse Insurance Services Limited are authorised and regulated by the Financial Conduct Authority Property and Business Insurance Specialists www.highhouseinsurance.com Contents Contentst Page Advantages of living in a Thatched Property 3 Looking after your Thatch Roof 5 Types of covering used for Thatched Buildings 7 Safety in Thatched Homes 9 Ways to Help Fireproof Your Thatched Home 11 2 Property and Business Insurance Specialists Advantages of living in a Thatched Property www.highhouseinsurance.com Most thatched homes tend to be very old and this often means that they have large gardens and are built in excellent locations. The reason for this is that, due to their age, there were many good places to choose to build such properties. Often thatched properties are found near to a natural water supply and are on sheltered, slightly sloping land which gives good drainage and, thus, reduces problems with damp. The thick straw or reed roofing provides excellent natural soundproofing from overhead aircraft as well as road traffic nearby. Likewise, it gives great insulation meaning that the thatched home remains cool in summer but warm in winter, helping to keep fuel costs low. The smaller windows that are normally to be found on such a property also contribute towards this insulating effect. Due to their age, thatched houses usually have very thick, solid walls which are advantageous over modern cavity filled walls. In summer the heat from the outside travels very slowly to the inside ensuring that the temperature within remains cool. The weatherproof thatch on the roof can withstand very strong, even gale force, winds and is very rarely prone to leaking. Leaks are usually caused by one of the wooden spars that are used in the ridge becoming broken and sometimes, after a spell of dry, warm weather the thatch may open slightly and then leak when it rains, however this is self-healing as the thatch will close again naturally. Disadvantages of living in Thatched Property Due to their age and sometimes remote locations, not all thatched properties will be connected to a mains water or sewerage supply. Instead, water may be drawn from a nearby private or shared well, and either a cesspit or septic tank may be used for sewerage. Cesspits need frequent emptying, therefore a septic tank is preferable as they do not require as much attention as long as they are well below the ground level of the house and have good draining soil surrounding them. Also as a consequence of their remote location, thatched homes may not have any nearby street lighting and it may be necessary to install outside lights on the property. Due to the old, solid walls and base and the lack of any damp proofing in such properties, the interior walls may suffer from damp caused by moisture rising from ground level. In wet weather rain tends to cascade down the roof and falls in a constant stream around the entire perimeter of the house (it is unusual to find guttering on a thatched house) which continues for a time even after the rain has ceased. The rain splashing on to the ground can be the cause of mud spots forming on the exterior of the house and may cause green mould growth too. However, this is easily remedied by cleaning with a bleach solution. 3 The materials used in the thatch mean that the roof is at threat of attacks by birds that are nesting or are looking for insects. Holes may appear in the thatch and should be repaired as soon as possible as, left unrepaired, the birds will concentrate on these areas and the holes will become much larger. Most bird damage to roofs tends to be under the eaves or at the junction of the chimney and the roof. Some roofs have wire netting in these places to prevent this occurring, whilst others are completely covered by wire netting. Unfortunately, roofs that are totally covered by wire netting are often subject to higher insurance premiums as there will be the added difficulty of pulling the wire netting off in the event of a fire. This will delay the fire from being extinguished and result in more widespread fire damage. Although thatched properties are no more likely to catch fire than regular homes, when a fire does break out the damage will be much more significant as fire spreads more rapidly in thatch. For this reason, insurance premiums will be higher. It can be seen that whilst there are disadvantages of living in a thatched house, these are relatively minor and the advantages of living in such a charming and unique home may outweigh them. 4 Property and Business Insurance Specialists Looking after your Thatch Roof www.highhouseinsurance.com Your thatched roof insurance may not cover you for every eventuality and it is better to prevent a situtation where there is a need to claim on your thatched roof insurance and less chance of underwriters disputing a potential claim because of neglect. Owning a thatch property requires different care to properties whose roofs are made of slate, tiles, metal or concrete. This list provides a brief guide to looking after your thatched roof: 1. Inspect the roof periodically, any problems you identify should be dealt with sooner rather than later to prevent the lifespan of the thatch being reduced, as well as the potential expense of the repair. 2. Inspect the eaves close to the wall, if there are dark wet patches this is a good indication that a thatch roof is leaking. 3. The thatch needs to be able to breathe by staying exposed to the sun and the wind, heavy build ups of moss and algae will prevent the roof from drying out. 4. If you can see gullies emerging, or deep vertical patches of rot, you should seek an experienced thatcher. 5. A thatch roof that looks shabby and has fixings exposed all over is usually a good indication that the roof is nearing the end of its lifespan. 6. Thatch roofing not only provides protection for your family and buildings against the weather but also wildlife if given the chance. Without the correct precautions and maintenance measures it will not take long before you have a few little neighbours! – It is advisable to take a walk around your property and look for evidence of birds and animals setting up residents in your thatch every week or so. Animals if given the chance can be quite destructive and quickly, so you want to ensure you spot any unwanted intruders early. -Evidence of mining in the thatch with small clumps sticking out and around the surrounding area is a good indication that animals and birds may be nesting in the thatch. -The saying ‘prevention is better than cure’ is relevant here, providing a thatch roof is kept in a good state of repair and the necessary prevention measures are taken, pests rarely pose a problem. – Cover the roof with wire netting to prevent pests from gaining entry. This is not always necessary for well-maintained roofs where there is no evidence of pests nesting in the thatch but is recommended if you get persistent problems. – Provide alternative accommodation and food sources. Put up bird boxes around the garden, in areas where they feel safe to nurture their young. 5 – If you have a problem with squirrels or vermin such as rats. These can arguably do the most damage burrowing quite extensively through the thatch as well as through any cables they may come across on route. Make sure you dispose of waste food and bones in such a way that vermin can’t smell or get access to it, do not put meat in your compost bin. Place bird feeders as far away from the property as possible and if necessary bring them in at night. To get rid of vermin, put poison down in strategic areas where they are likely to ‘take the bait’, call in a professional pest controller if necessary, alternatively get a pet cat, these natural pest controllers will scare of any rodents and what they don’t they will almost certainly kill, eventually. To deal with squirrels there are now several humane traps available on the market, alternatively contact your local pest controller. 7. You should seek the advice from a professional thatcher when you spot any problems or damage to the thatch. 8. Never climb or let a contractor climb onto the roof or put ladders directly on the thatch without consulting a professional thatcher first so as to prevent any potential damage to the thatch. 6 Property and Business Insurance Specialists Types of covering used for Thatched Buildings www.highhouseinsurance.com When it comes to the type of materials used in thatched roofs there are a number of different options available. Traditionally, materials were selected for use because they were easily available locally. Some types of covering like woodchip which was found in Sussex and was very popular have now fallen in to disuse. Nowadays with excellent transport links, the location of the reeds is not such an important factor. Combed Wheat Read Combed Wheat Reed thatch is also known as Devon Reed and it is the most widely used type of thatching material in Devon and the West Country. Reeds are harvested whilst young, making them more hardwearing, then bundled, stacked and combed to remove the ears. This combed reed is then laid on to the roof in thick bundles with the sharp ends, called “butts”, protruding to aid carrying water away from the roof.